1. Mrs. Oshiro’s Life Military Career Expenses Loans Transportation
Occupation
Fixed
Expenses
Career
Flexible
Loans
Transportation
Interest
College
Salary
Income
Mortgage
Pay
Housing
Rent

2. College
Name of university, college or trade school________________________________________
Location of school___________________________
What is your major/ minor__________________________
Number of years attending college_________
Tuition x amount of years=$________________ (total cost for education)
Student loans
Loan $_____________
(How much will you borrow from the bank)
Divide total by 120 (10 year loan) $______________
Total Monthly payment (transfer to budget page)

3. College- Pacific University
Major - Physical education
Minor - Health
Located in Forest Grove, Oregon
Four year degree
Tuition is $38, per year
38, x 4 = 152,000.00
152, / 120 =
Total owed for student loans after college is $ per month.

4. Military Military – Branch ________________ Ranking ______________
Occupation Specialty __________________
Monthly starting pay __________________ (transfer to occupation and/or budget page)

5. Military Air Force Airman First Class E-3 Combat Control
Pay - $ a month

6. Career/Occupation
Type of occupation/career _______________________________________
Description of Job ____________________________________
Prerequisite (what do you need for the occupation, college, skills
required, test taken, physical condition) ___________________________________________________
Requirements ____________________________________________________________
Monthly Salary ________________________________
-20% in taxes _________________________________
Total monthly income __________________________

7. Occupation Fire Fighter
They will carry and operate water hoses, climb ladders, go into burning buildings and use special procedures to extinguish fires.
Pass a physical and written test to get into academy. Graduate from Hawaii Fire Academy.
Monthly Salary - $
- $783 (taxes) = $2407 Total income per month.

8. Occupation Physical Education Teacher
Physical education teachers help children develop physical abilities and healthy habits that can last for the rest of their lives.
Degree in Education
Complete Student teaching and pass the PRAXIS test.
Monthly Salary- $
Taxes - $932.80
Monthly pay after taxes - $

9. Housing Total monthly payment for housing: _____________
Type of housing ________________________________
Description of housing ______________________________(Bedroom/bath)
Location of housing _________________________________________
Price of housing __________________
Amount borrowed from the bank _________________
Interest (10%) X amount borrowed from bank ___________
Total amount owed (cost)______________
Divide by 30 divided by 12 = ____________________ (30 years at 12 months per year)
Total monthly payment for housing: _____________
(Mortgage) Purchase of a house OR Renting

10. Housing Single Family Home 3 bedroom/2 bath Hillsboro, Oregon
Purchase - $389,000.00
Borrowed -$350,000.00
+ $35000 (interest) = $
$ total
divide by 30( $ ) divide by 12 = $ is my monthly payment

11. Transportation Make (brand) of vehicle ____________________
Model (type) of vehicle _____________________
Cost of vehicle ________________________
Add interest (5%) x .05 = _________________
Add to interest to cost of vehicle=
Total borrowed__________________
Divided by 72 = ____________________
(6 year loan, 72 months)
Total monthly payment for transportation:__________________

12. Transportation Scion iQ $16250.00 $16000.00 borrowed from bank.
+ $800 (5% interest) = $ Total
Divide by 72 (6 years) = $ per month

13. Budget Monthly Income ________________ Fixed expenses:
Student loans: _____________________
Housing: _____________________
Car/vehicle: _____________________
Cable : (get on your own) _____________________
Wi-Fi : _____________________
Home phone: _____________________
Cell phone: _____________________

14. Budget Continued Flexible expenses: Play card game in class
Electric Bill _________________
Water Bill _________________
Groceries/food _________________
Entertainment _________________
Household expense _________________
Other _________________
Total expenses (add all expenses)_________________
Subtract income from total expenses (Income – expense = budget)
Total at the end of the month __________________

15. Budget Total expenses - $3534.98 Monthly Income - $3621.00
Fixed Expenses
Student loans $
Housing $
Car $233.00
Cable $69.99
Wi-fi $49.99
Cell phone $45.00
Flexible Expenses
Electric Bill $100.00
Water Bill $150.00
Groceries $250.00
Entertainment $50.00
Household $150.00
Other - shoes $100.00
Total expenses - $
Monthly Income - $
Income - Expense = $86.92
TOTAL left at end of the month
(budget)